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Auto Insurance Buyer's Guide for Georgia

How to Shop

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Step 1. Understand What Affects Your Rates

Know which facts make a difference. There are three: who you are, where you live and what you drive. Other factors like type of coverage, the deductibles you choose, the number of drivers in your home, even your education, occupation and credit score can factor in to the auto insurance rate you’ll pay. Then realize that each auto insurance company is likely to see you differently as well.

Georgia's Most Stolen Vehicles

1. Honda Accord
2. Chevrolet Full Size C/K 1500 Pickup
3. Ford F150 Series
4. Chevrolet Caprice
5. Honda Civic

Source: National Insurance Crime Bureau, 2008 "Hot Wheels" Report

Step 2. Decide How Much to Buy

It’s all about protection. Auto insurance protects you, your passengers and your personal assets. If you rent an apartment, home or condo, state minimum limits may be enough coverage. But, if you own a home or have other assets to protect, you’ll need more coverage to protect yourself from lawsuits and liability. Start by comparing rates for the amount of coverage on your current policy to the amount of coverage – more or less – you might really need. We’ll explain the differences, so you clearly understand the trade-offs.

Georgia Ranks No. 5 In Vehicle Theft

State Vehicles Stolen

1. California
2. Texas
3. Florida
4. Arizona
5. Georgia

219,500
94,000
73,500
48,500
42,500

Source: National Insurance Crime Bureau, 2008 "Hot Wheels" Report

Step 3. Shop Smart and Save

Get comparison quotes. Insurance rates change more than once a year, so an annual insurance check-up will pay for itself. Don’t settle for a new quote from your current carrier. Get several quotes from different insurance companies to make sure your rates are competitive. To save time, Insurance.com provides you with the latest rates from top Georgia auto insurers, including Progressive, Safeco and Travelers. It’s fast and it’s free.

Get Quotes From These Top Georgia Companies

Step 4. Learn How Auto Insurance Really Works

Auto insurance is about more than just cars. In Georgia, most insurance companies will base some portion of your rate on things like where you live, your financial stability (based on your payment history), and other personal information you provide. Sometimes your answers about mileage, education or grades help you qualify for discounts.

Insurance.com makes it easier because you only need to answer questions once to receive multiple competing quotes from the Georgia auto insurance companies we represent. Ready to get started? 

Compare Rates From Multiple Georgia Auto Insurance Companies

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